Rates

Rates effective as of 8/10/2018.  APY = Annual Percentage Yield. APR = Annual Percentage Rate. All rates subject to change without notice.

Share (Savings) Accounts

Account Minimum Opening Deposit Dividend Rate APY
Primary Share Savings $25 0.05% 0.05%
breeze rewards Primary Share $25 0.05% 0.05%
Member's Choice $0 0.05% 0.05%
Sprout Savings $5* 0.05% 0.05%
Secondary Share $0 0.05% 0.05%
Christmas Club Share $0 0.05% 0.05%
Business Share Savings $25 0.05% 0.05%

*Limited time offer—visit our Sprout Savings page for more details

Dividends will be paid on balances of $25 or greater.

Fees may reduce earnings.

Fee Schedule

Money MarketLearn More

Deposit Dividend Rate APY
$2,500 - $14,999.99 0.05% 0.05%
$15,000 - $49,999.99 0.10% 0.10%
$50,000+ 0.20% 0.20%
IRA Money Market 0.05% 0.05%

*Limited time offer—visit our Sprout Savings page for more details

Dividends will be paid on balances of $25 or greater.

Fees may reduce earnings.

Fee Schedule

Share CertificatesLearn More

Term Dividend Rate APY
6 month1 0.35% 0.35%
12 months2 0.50% 0.50%
24 months2 0.85% 0.85%
36 months2 1.04% 1.05%
48 months2 1.50% 1.51%
60 months2 2.13% 2.15%

1 6 month certificate early withdrawal penalty subject to 90 day dividends, whether earned or not.

2 Early withdrawal subject to 180 day dividends penalty, whether earned or not.

Fees may reduce earnings.

IRA CertificatesLearn More

Term Dividend Rate APY
6 month1 0.35% 0.35%
12 months2 0.50% 0.50%
24 months2 0.85% 0.85%
36 months2 1.04% 1.05%
48 months2 1.50% 1.51%
60 months2 2.13% 2.15%

1 6 month certificate early withdrawal penalty subject to 90 day dividends, whether earned or not.

2 Early withdrawal subject to 180 day dividends penalty, whether earned or not.

Fees may reduce earnings.

Credit Cards (Fixed Rate)Learn More

Card APR* Payment per $1,000
SunSelect Credit Card As low as 7.99%  n/a
SunSelect Secured Credit Card Currently 10.49% n/a
APEX Business Credit Card As low as 8.99% n/a
* Not all applicants will qualify for the lowest rate.

Vehicle LoansLearn More

Terms Available Loan-to-Value APR as low as* Payment per $1,000
Up to 48 months Up to 110% financing (vehicles < 5,000 miles) 1.75% $21.59
Up to 60 months Up to 110% financing (vehicles < 5,000 miles) 2.25% $17.64
Up to 72 months Up to 100% financing (vehicles < 30,000 miles) 3.49% $15.41
Up to 84 months Up to 100% financing (vehicles < 30,000 miles) 3.99% $13.66

Rates reflect relationship loan discount pricing & reflects Eco-Friendly qualified loan discount.

* Not all applicants will qualify for the lowest rate.

Snowmobiles / ATVs / Powered Watercraft (non-boat)Learn More

Terms Available Loan-to-Value APR as low as* Payment per $1,000
Up to 24 months Up to 100% financing 3.74% $43.31
Up to 48 months Up to 100% financing 4.00% $22.58
Up to 60 months Up to 100% financing 5.00% $18.87

Rates reflect relationship loan discount pricing.

* Not all applicants will qualify for the lowest rate.

MotorcyclesLearn More

Terms Available Loan-to-Value APR as low as* Payment per $1,000
Up to 24 months Up to 110% financing 3.49% $43.20
Up to 60 months Up to 110% financing 3.99% $18.41

Rates reflect relationship loan discount pricing.

* Not all applicants will qualify for the lowest rate.

Boats / Campers / RVsLearn More

Terms Available Loan-to-Value APR as low as* Payment per $1,000
Up to 60 months Up to 100% financing 3.74% $18.30
Up to 84 months Up to 100% financing 4.74% $14.01
Up to 120 months Up to 100% financing 5.50% $10.85
Up to 144 months Up to 100% financing 6.00% $9.76

Rates reflect relationship loan discount pricing.

* Not all applicants will qualify for the lowest rate.

Personal Loans

Type Maximum Amount Terms Available APR as low as* Payment per $1,000
Personal Loan1 $25,000 Up to 72 months 7.49% $17.29
Debt Consolidation Loan2 $25,0002 Up to 72 months 11.99% $19.54
CD Secured Loan3 n/a Up to 60 months 3.00% over the CD Dividend Rate $18.75
EasyCash Loan1 $7,500 Up to 12 months 5.49% $85.83
Overdraft Protection $5,000 Revolving 16.99% n/a
TAP Personal Line of Credit4 $7,500 Revolving 9.75% n/a

1 Rates reflect relationship loan discount pricing.

2 Maximum of 50% of non-Evergreen Credit Union debt may be consolidated.

3 APR and cost per $1,000 dependent on the rate and term of the term certificate used to secure the loan.

4 Current APR of Prime + 5% (APR is adjusted monthly and based on the Wall Street Journal Prime.  Max APR is 18%)

* Not all applicants will qualify for the lowest rate.

Home Equity Loans/LinesLearn More

Maximum Term / Type Loan-to-Value APR* Payment per $1,000
Up to 60 months 80% 3.99% $18.41
Up to 60 months 85% 4.49% $18.64
Up to 60 months 90% 4.74% $18.75
Up to 120 months 80% 4.49% $10.36
Up to 120 months 85% 4.99% $10.60
Up to 180 months 80% 4.99% $7.90
Home Equity Line of Credit5 85% loan-to-value 5.00% n/a

Property valuation or appraisal closing costs may range from $175-625 (depending on property type).

5 APR is adjusted monthly and based on the Wall Street Journal Prime. Max APR is 18%. Minimum floor rate = 3.25% APR. Property valuation or appraisal closing costs may range from $175-625 (depending on property type).  Property insurance is required.

* Not all applicants will qualify for the lowest rate.

Home Improvement LoansLearn More

Loan Type Maximum Financing APR as low as* Payment per $1,000
Home Improvement Loans6 $25,000, up to 96 months 6.74% $13.50

6 Rates reflect relationship loan discount pricing and Eco-Friendly qualified loan discount.

* Not all applicants will qualify for the lowest rate.